These are good posts. I just spent about 3 hours out on the town with one in the chamber and didn't really feel edgy about it at all after going out to shoot yesterday. It seemed pretty natural and I was thinking that the only time I would even get close to the trigger would be if I was in need of it anyway. I'm getting more comfortable with it.
Have you considered a holster like this? It helped keep my trigger finger off the trigger on draws and reholstering.
Wouldn't that holster be kind of hard to conceal? I don't usually wear coats or jackets and prefer iwb.
The problem doesn't seem to be anti-snatch, which is what that particular holster addresses, but anti-accidental/negligent-discharge.
There is also a far outside chance that that holster's trigger-guard latch could itself help cause a discharge, either alone or by means of some trapped foreign object (like a shirt-tail).
And, yes, that holster is difficult to conceal.